| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIBBITS INSURANCE INC3 Filed as: HIBBITS INSURANCE INCORPORATED | PO BOX 5672 2422 DEVINE STREET, STE B COLUMBIA, SC 29250 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $56K | — | $56K | 4.14% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $4K | $28K | 21.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 5672 COLUMBIA, SC 29250 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | PO BOX 5672 COLUMBIA, SC 29250 | DELTA DENTAL OF MISSOURI | $5K | $298 | $5K | 10.66% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | DELTA DENTAL OF MISSOURI | $950 | — | $950 | 2.01% |
| ENROLLEASE3 Filed as: CLARKE & COMPANY BENEFITS LLC | 122 S IRBY STREET FLORENCE, SC 29501 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $1.4M |
| Dental | DELTA DENTAL OF MISSOURI | 158 | $47K |
| Vision | COMMUNITY EYE CARE | 120 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 133 | $67K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $67K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 133 | $67K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 118 | $1.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.